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Internet Access and User Agreement

The Internet Access and User Agreement provides the terms and conditions governing the use of the Internet Banking Service offered by Lake City Bank. The first time you access your accounts by using any of the Internet Banking services, you agree to abide by the terms and conditions of this Agreement as well as the terms, conditions, agreements, fee schedules and disclosures applicable specifically to any such service and provided on Lake City Bank's web site.

Lake City Bank is entitled to act upon instructions received with respect to any Internet Banking Service under your User ID and secret Password and without inquiring into the identity of the person using the Password. You shall immediately change your Password upon your first log-in. You agree that you will not under any circumstances disclose your Internet Password to anyone, including anyone claiming to represent Lake City Bank. You acknowledge that no one from Lake City Bank will ever ask you for your Internet Password, and that Lake City Bank employees do not need your Internet Password for any reason.

You are liable for all transactions made or authorized with the use of your Password. Lake City Bank has no responsibility for establishing the identity of any person who uses your Password. You agree that if you give your Password to anyone or fail to safeguard its secrecy, you do so at your own risk because anyone with your Password will have access to your accounts. The Password can be changed within Lake City Bank Internet Banking. We recommend that you change your Password regularly. You agree that if you believe the secrecy of your Password has been compromised, you will immediately notify Lake City Bank of that fact and will immediately change your Password.

For joint accounts, each person must have a separate Password. Each person on a joint account will be liable for all transactions that are made on that account by all other joint holders of the account.

You agree to indemnify and release Lake City Bank from any and all liability, and agree not to make any claim against Lake City Bank or bring any action against Lake City Bank, relating to its honoring or allowing any actions or transactions that were conducted under your Password.

By directing Lake City Bank, through the use of any Internet Banking Service initiated with your User ID and secret Password, to transfer funds or make a payment of any kind, you authorize Lake City Bank to withdraw from the designated account the amount of funds required to complete the transaction. Requests for new account services, instructions to change existing account information or services, and other communications received by Lake City Bank through the Internet shall constitute legal endorsements, and shall have the same force and effect as a written instruction signed.

In case you have errors or questions about your electronic transactions, contact Lake City Bank at 1-888-522-2265 or write us at Lake City Bank, Loss Prevention Department, P. O. Box 1387, Warsaw, IN 46581-1387 as soon as you can.

Lake City Bank must hear from you within sixty (60) days after the FIRST statement on which the problem appeared when sent to you. Please tell us your name and account number, describe the error or the transfer you are unsure about, and explain why you believe there is an error and tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions in writing within ten (10) business days.

Lake City Bank will tell you the result of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or questions. If we decide to do so, we will provisionally credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation.

If Lake City Bank does not complete a transfer to or from your account on time or in the correct amount according to the account agreement (including all rules and regulations governing your account), we will be liable for all losses not exceeding the amount of the transfer. Lake City Bank will not be liable for, including but not limited to, the following:

If, through no fault of ours, you do not have enough money in your account to make the transaction; or

If the transaction would go over the limit on your Lake City Bank overdraft privileges (if available); or

If circumstances beyond our control (such as fire or flood) prevented the transaction, despite reasonable precautions that have been taken; or

If court order or other legal process prevents us from making a transaction; or

If the Internet Banking System was not working properly due to the failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, normal maintenance, unauthorized access, theft, operator errors, severe weather, earthquakes, floods and strikes, or other labor problems; or

If there is an allegation of fraudulent activity concerning the account; or

If you do not provide the correct information when using using the Personal Internet Banking service; or

If the Bank is provided with incomplete or inaccurate information from external sources involved in processing the transfer, payment, or direct deposit; or

Your service has been canceled.

There may be other exceptions to liability stated in the terms and conditions governing your specific type of account or service.

You will get a monthly account statement. However, with respect to savings accounts, if there are no electronic funds transfers in a particular month, you may not get a statement monthly, but you will get a statement at least quarterly. Our business days are Monday through Friday. Holidays are not included. In the event you wish to discontinue the service, you must contact the Bank in writing. Written notice of service discontinuance must be supplied ten (10) days prior to the actual discontinuation date and must be sent to:

Lake City Bank
One Call Center
P. O. Box 1387
Warsaw, IN 46581-1387

The Bank may terminate use of the service by any individual at any time. Neither termination nor discontinuation shall affect your liability or obligation under this agreement.

In the event of a dispute regarding the service, you and the Bank agree to resolve the dispute by looking to this Internet Access and User Agreement. You agree that this Internet Access and User Agreement is the complete and exclusive statement of the agreement between you and the Bank which supersedes any prior agreement, oral, or written, and any other communications between you and the Bank relating to the subject matter of this Internet Access and User Agreement. If there is a conflict between what a bank employee says and the terms of this Internet Access and User Agreement, the terms of the Agreement shall control.

You may not assign this Internet Access and User Agreement to any other party. The Bank may assign this Agreement at any time to an affiliated company. The Bank may also assign or delegate certain of its rights and responsibilities under this Internet Access and User Agreement to independent contractors or other third parties.

This Internet Access and User Agreement shall be governed by and construed in accordance with the laws of the State of Indiana, without regard to its conflicts of law provisions.

Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, Lake City Bank, OR by Internet browser providers such as Internet Explorer, Firefox, Safari, Chrome, Opera, OR by Internet access providers OR by Internet service providers OR by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, or Internet browser or access software.

Lake City Bank reserves the right to terminate this Agreement and your access to Internet Banking, in whole or in part, at any time without prior notice.

Lake City Bank hereby disclaims any warranties, endorsement or representation, express or implied, related to any product, service, advertisement or other information contained within our Web site. This includes any content contained, distributed, linked, or downloaded from the site. Any products or services from this site are to be used at your own risk, with no obligations or liabilities by Lake City Bank.